Lexus GS 350 Insurance Rates

U.S. average insurance prices for a Lexus GS 350 are $1,262 every 12 months for full coverage. Comprehensive costs on average $270 each year, collision costs $466, and liability coverage costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $2,728. Teenage drivers pay the highest rates at $4,708 a year or more.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and GS 350 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $725
• Drivers who choose higher $1,000 deductibles will pay around $170 a year
• The average price for the average middle-age driver with $500 deductibles is $1,262
• Using low deductibles for comprehensive and collision insurance increases the price to $1,582
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,728 or more
• The price to insure a teenage driver may cost $4,708 a year

View Chart as Image

Insurance prices for a Lexus GS 350 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your GS 350.

Using high physical damage deductibles could save up to $490 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost around 45% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus GS 350 insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for More Affordable Lexus GS 350 Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a summary of the coverage data covered in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $500 each year
• Teen drivers pay higher prices, with premiums as much as $392 a month if full coverage is included
• Drivers who have multiple accidents or major violations pay an average of $1,470 more each year to insure their GS 350